tldr: Add second way of acquiring a credo. A passive one. You pay same price in LP but you don't get quests and, instead, timer starts. 10 days + 2 days per each credo you got. After the timer ends - you get the credo.
Let's look at setting up our bases. Specifically, at landscaping. Do you guys like to do it? I don't think so, personally, I don't. Yet, I've dug out 30k of soil to make my base even. And...it was ok. Didn't enjoy it but also didn't whine about it. Because that was my choice. I could've settled somewhere else with better levels. I could've said "fuck it" and just not level my base. Both of those alternatives work. But I wanted to settle in this specific place and I wanted my base to be even, so I dug and dug knowing why I'm doing this and that noone's forcing me to. I had a choice.
Credos need the same choice. Two ways of acquiring them. The active one - what we've got right now, nothing to change, leave it be.(well, maybe out of season quests need to go) And the passive one - which should be slower but not require doing quests. You just press "start passive", pay your LP and..wait. Do other stuff, you'll get your credo eventually.
Competitive players can still do quests to get credos as fast as they get them now. Doesn't change anything for them. But everyone else who likes credos but hates questing gets an alternative. Slower - yes, but doesn't take your game time. HnH is not credos only, it has so much to offer.
10 days + 2 days per credo you already got. Maybe +4 days for scholar and mystic.
Basically that's it.
It won't make credos easier or faster to get yet it will give a viable alternative. You don't like quests, abandoning, hard study times etc. - go for the passive way.
You want to be competitive - go for quests.
It's your choice.